Choosing a home to buy is a landmark in your life. House-hunting is both exciting and frustrating and with it comes the important choice of a mortgage. As this is a very major financial decision, it makes sense to look as closely at the available mortgage options as at the houses you view! As you probably know, there's a very wide range of mortgages to choose from. So how do you begin to make such a choice? Well, rht will do their best to make it a little easier.

Your Lender

First consider from whom to borrow. Bank, building society, finance house, insurance company - they all want to lend you money; but which is best for you?

Your Mortgage

It helps to look at the different types of mortgage available. The choice is no longer limited to repayment or endowment. Knowledgeable advice on what the mortgage terms actually mean and what their consequences could be for you can be a real help in guiding you through the maze.

Your Re-Mortgage

Because of the wide choice and competition in the market, it pays to consult rht if your current mortgage now seems uncompetitive. Remember, the market has probably changed beyond recognition since you took out your original mortgage, even if this was just a few years ago!

Your Needs

A mortgage that suits your friend might not be the best one for you. It's crucial that you make the right decision, both for the present and indeed, the future. rht have the training and commitment to ensure our recommendation is ideally matched to your needs.

Your Choice

In seeking the right mortgage, you may become aware of other financial services which, could be of benefit to you. These may include life assurance, pensions and income protection. rht will be happy to offer objective advice on these matters too.

Your Peace Of Mind

rht guide you through each of the points outlined above and any others which may be relevant such as investments, life assurance and private health care. We realise that a lot of these areas may currently seem irrelevant, but believe us, the more you do now to plan for the future, the easier your lives will be.